Cheapest 2013 Nissan Versa Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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I can’t think of a single person who cherishes buying insurance coverage, especially when their premiums are through the roof.
Since consumers have many insurance coverage companies to choose from, it’s difficult to find the cheapest insurance company.
You should make it a habit to check insurance coverage prices once or twice a year because rates fluctuate regularly. Despite the fact that you may have had the lowest rates on Versa coverage two years ago you will most likely find a better rate today. Ignore everything you know about insurance coverage because you’re about to find out how to quote online to eliminate unnecessary coverages and save money.
Shopping for the best auto insurance is simple if you know the tricks. Essentially anyone who shops for auto insurance should be able to save money. But drivers can benefit from knowing the way insurance companies market on the web and apply this information to your search.
The easiest way to compare rate quotes is to know the fact most insurance companies provide online access to compare rate quotes. The only thing you need to do is take a few minutes to give details like types of safety features, the type of vehicles you drive, your general credit rating, and deductibles desired. The data is automatically sent to many different companies and you will get price comparisons immediately.
To start a quote now, click here and enter your coverage details.
Don’t listen to company ads
Companies like Allstate, GEICO and Progressive regularly use television and radio advertisements. All the ads say the same thing that you’ll save big if you move to their company. How does each company make almost identical claims?
All the different companies have a certain “appetite” for the driver that earns them a profit. An example of a driver they prefer could possibly be between 30 and 50, has no prior claims, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” will get very good rates and therefore will save when they switch companies.
Consumers who fall outside the “perfect” profile will have to pay higher prices and ends up with business going elsewhere. The ad wording is “people who switch” not “people who quote” save that kind of money. That is how companies can state the savings.
Because of the profiling, you need to get as many comparisons as possible. It’s impossible to know the company that will fit your personal profile best.
Don’t miss these discounts
Properly insuring your vehicles can get expensive, but there could be available discounts that can drop the cost substantially. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be specially asked for before you will receive the discount.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
- Drive Less and Save – Keeping the miles down on your Nissan can qualify you for better rates on cars that stay parked.
- Driver Safety – Taking part in a course in driver safety could possibly earn you a 5% discount depending on where you live.
- Paperless Signup – Certain companies will give a small break just for signing your application over the internet.
- Life Insurance – Some companies give lower rates if you buy life insurance.
- Multi-car Discount – Insuring more than one vehicle on one policy can get a discount on all vehicles.
A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will help reduce your overall premium however.
To see a list of providers with discount car insurance rates, click this link.
When might I need help?
When choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation will benefit from professional help.
- Should I buy full coverage?
- Do I need higher collision deductibles?
- What is the minimum liability in my state?
- Does my insurance cover a custom paint job?
- What can I do if my company won’t pay a claim?
- Is my 2013 Nissan Versa covered for flood damage?
- When can I cancel my policy?
- Is my state a no-fault state?
- Do I need rental car coverage?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.
Auto insurance coverages
Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.
Coverage for liability – This coverage will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for claims like medical expenses, structural damage, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as chiropractic care, rehabilitation expenses, hospital visits and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Coverage for uninsured or underinsured drivers – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Nissan Versa.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.
Comprehensive insurance – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like vandalism, a broken windshield, theft, hitting a deer and damage from getting keyed. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Collision – Collision coverage pays for damage to your Versa caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like damaging your car on a curb, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.
A little work can save a LOT of money
When you buy insurance online, never buy poor coverage just to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits and learned later that it was a big mistake. The ultimate goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.
Lower-priced 2013 Nissan Versa insurance can be found both online and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.
In this article, we presented many ideas to shop for insurance online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with the least-expected company. Smaller companies may only write in your state and offer lower rates compared to the large companies like Progressive and GEICO.
Additional insurance information is located at these links:
- Teen Driving Statistics (iihs.org)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- Steps to Take After an Auto Accident (Insurance Information Insitute)
- What is Full Coverage? (Allstate)
- Auto Crash Statistics (Insurance Information Insitute)
Frequently Asked Questions
What should I do if my insurance company refuses to pay a claim?
If your insurance company refuses to pay a claim, you can take the following steps:
- Review your policy documents to understand the coverage and any exclusions or conditions that may apply.
- Gather all relevant information, documents, and evidence related to the claim.
- Contact your insurance company and discuss the situation with them, providing all necessary information and explaining your position.
- If the issue remains unresolved, consider filing a complaint with your state’s insurance regulatory authority or seeking legal advice.
Can I get insurance coverage for my 2013 Nissan Versa if it has a custom paint job?
Insurance coverage for a custom paint job on a 2013 Nissan Versa may vary depending on the insurance company and policy. It is recommended to check with your insurance provider to see if they offer coverage for custom modifications and any specific requirements or limitations associated with it.
Is my 2013 Nissan Versa covered for flood damage?
Whether or not your 2013 Nissan Versa is covered for flood damage depends on the specific coverage you have in your insurance policy. Comprehensive coverage typically covers damage from non-collision events, such as floods. However, it’s important to review your policy or contact your insurance provider to confirm the details of your coverage.
When can I cancel my auto insurance policy?
You can generally cancel your auto insurance policy at any time. However, it’s important to consider the potential consequences, such as a lapse in coverage or penalties. If you plan to cancel your policy, it is recommended to have a new insurance policy in place before canceling the current one to ensure continuous coverage.
Is my state a no-fault state?
The concept of “no-fault” insurance varies by state. In no-fault states, each driver’s insurance company pays for their own policyholder’s medical expenses and related costs regardless of who caused the accident. Some states have “choice” no-fault systems or traditional tort-based systems. To determine if your state is a no-fault state and understand the specific laws and regulations, you can consult your state’s insurance department or contact your insurance provider.
Do I need rental car coverage?
Whether you need rental car coverage depends on your personal circumstances and preferences. Rental car coverage, also known as “rental reimbursement” or “extended transportation expense coverage,” can provide reimbursement for the cost of renting a vehicle if your car is temporarily out of use due to a covered claim. If you rely heavily on your vehicle or do not have alternative transportation options, rental car coverage may be beneficial. It’s important to review your policy and consider the cost versus the potential benefits before making a decision.
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